Excellus Bluecross BlueShield logo
Login | Register | Forgot Username | Forgot Password
Program Offerings
By Phone
By Email
By Mail
Visit Us In-Person
News & Updates
Print Forms
About Us
Compliance Notices
Broker News | September 2016 | Vol. 11 No. 10
Broker News | September 2016 | Vol. 11 No. 10

Special Enrollment Period Coverage Effective Dates and Deadlines

OFF exchange coverage with a Special Enrollment Period

Certain life changes — such as a pregnancy, having a baby, getting married, or losing health coverage — may qualify for the opportunity to enroll in health care coverage for 2016 outside of the annual Open Enrollment Period, which ended on January 31.

Effective dates will be determined by the type of qualifying event, the timing of the event and the effective date requested (if applicable).

The majority of events will follow a 15th of the month rule. For applications received on or before the 15th of the month, coverage will be effective the 1st of the following month. For applications received after the 15th of the month, coverage will be effective the 1st of the second following month. For example, an application received on August 15 would be effective September 1. An application received on August 16 would be effective October 1.

If notification about a qualifying event is received after 60 days from the date of the event, enrollment is not allowed until the next Open Enrollment Period (except in cases of pregnancy, birth, newborn adoption, domestic abuse or spousal abandonment, which allow for mid-month effective dates and do not follow the 15th of the month rule).

ON exchange coverage with a Special Enrollment Period

Visit info.nystateofhealth.ny.gov/SpecialEnrollmentPeriods for more information.

Group coverage termination

If group coverage is being terminated, members have the right to convert to a direct payment health insurance plan. To convert coverage, an application must be submitted along with full payment of the first premium amount within 60 days after coverage terminates. After 60 days, enrollment may not be allowed until the next Open Enrollment Period.

Home     News & Updates    Print Forms    About Us    Fraud & Abuse    Glossary    Accreditations   
Language Assistance and Non-Discrimination Notice

Copyright © 2018, Excellus BlueCross BlueShield, a nonprofit independent licensee of the Blue Cross Blue Shield Association. All rights reserved. View our Web Privacy Policy for information on how we protect your privacy. Use of this site indicates your acceptance of our Terms of Use. Follow this link to view our 31 county New York State service area. You will need Internet Explorer or Firefox to use the secure features of this site.